You may ask yourself whether you should get pet insurance when you have a kitten or puppy, or wait a while and get it as they are older in life. Although you may think that your puppy or kitten is healthy and unstoppable, they can be susceptible to illnesses and still learning their way around this big world.
Puppy or kitten
Pet insurance for many is the last thing on the mind after bringing home a new pet. You’ve paid for the animal, initial vet costs and vaccinations, microchipping plus all their toys, bedding and food. Many people hold off on purchasing insurance as they cannot afford it immediately.
Puppies and kittens often have very weak and sensitive immune systems and as such more susceptible to illness and disease. This can turn in to thousands of dollars in vet bills. By paying monthly instalments for pet insurance as soon as you pick up your new furry friend, you can give yourself the peace of mind knowing that they will be covered.
Injuries and illnesses to your pet can come at the worst of times, so if you decide to put aside some money and not get pet insurance, you may be hit earlier than expected and not have enough to cover the treatment bills.
Older dogs and cats
Our pets get more fragile with age and tend to find themselves sick or injured even with the best care. For most, this is the perfect time to have pet insurance, however most companies will not take on a new policy if the pet is over 8 years old – although will continue to cover the pet if the policy was registered before the 8th birthday.
If you do decide to insure your pet in their later years, they may come with pre-existing conditions that can be excluded from your insurance cover. The longer you wait for pet insurance, the higher the chance there is going to be exclusions.
When should I get pet insurance?
Accidents and injuries can happen at any time; with younger animals being prone to injuring themselves while older dogs and cats being more susceptible to illnesses. The perfect time to get pet insurance is when you can’t afford to be paying for any unexpected injury or illness. Although it may seem like an unnecessary expense to some, when you cannot afford an unexpected big expense and don’t want to compromise your pet’s health, pet insurance is the perfect option for you – therefore get it as soon as you can.